624 Belview St · Bessemer, AL 35020

$175,000

3 bd · 2.0 ba · 1,624 sqft · SingleFamily public records · 17 Days on market

Built 1958 0.50 ac lot Est $171k · at est.

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.1/30.0
• ARV discount +6.3/15.0
• DSCR +5.0/10.0
• 1% rule +3.0/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Rent growth +1.7/5.0
• Appreciation +0.0/10.0

Listing remarks

Explore 624 Belview St, recently updated with fresh interior paint and partial flooring replacement throughout. The kitchen is equipped with stainless steel appliances and features an accent backsplash. A central fireplace provides warmth, and a patio extends the usable outdoor space. Experience updated style and lasting comfort in this exceptional home. Included 100-Day Home Warranty with buyer activation

Key facts

• 0.5 acre lot
• Built 1958
• Listed 17 days

Property features AI

Finance

• Other: Property sits on approximately 0.5 acre
• HOA & community: No association fee

Exterior

• Parking: Uncovered parking
• Utilities: Public water; Septic sewer; Gas water heater; Internet service availability unknown
• Home design: Existing construction; Brick over foundation with other siding; Crawl space foundation
• Construction: Brick-over-foundation and other siding construction
• Exterior features: Not waterfront; No pool; No patio; No garden/patio; No decks; Lot not in flood plain; No notable lot view

Interior

• Kitchen: Solid surface countertops; Built-in microwave; Electric stove
• Bedrooms: Bedrooms located on main level (three bedrooms on level 1)
• Flooring: Hardwood; Tile; Vinyl
• Bathrooms: Two full bathrooms; Tub/shower combinations
• Heating & cooling: Gas heating; Central electric cooling
• Interior features: Smooth ceilings; Wood-burning fireplace with blower fan in the living room; Attic with pull-down access; No additional interior amenities listed
• Laundry & utility: Main-level laundry with washer hookup; Electric dryer hookup; Laundry space described as 'Other (see remarks)'

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $91 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (19.5% below list).
• Recommended offer: $141k (19.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#331 in AL) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A; Watch: crime F, amenities F, employment F.
• Jefferson County (suburban): math 9% / reading 32% proficiency, ranked #104 of 129 in AL (top 81%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mcadory Elementary School (math 14% / reading 40%, grade F, #392 of 627 statewide, top 65%, 667 students, 61% FRL); Mcadory Middle School (math 2% / reading 33%, grade F, #199 of 257 statewide, top 77%, 854 students, 74% FRL); Mcadory High School (math 8% / reading 17%, grade F, #237 of 305 statewide, top 78%, 1,162 students, 72% FRL) — zoned schools average 69% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents falling (-3.1%/yr); 116 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,114 units permitted in Jefferson County in 2024 (556 in 5+ unit buildings).
• At $1,409/mo this rent would consume 48% of the median local household income ($35k/yr) (locally 1001% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Jefferson County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 46% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,864 (19.5% below list)

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.80% ✗
• Cap rate: 6.92%
• Cash-on-cash: 2.23%
• DSCR: 1.10
• GRM: 10.4

CMA / ARV

• ARV (on-the-fly): $170,520
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
531 Sadler Ave	0.24mi	3/1.5	1,542 (-5%)	13mo	$175,000	$113	68
931 Ferro Ave Ferron Ave	0.50mi	3/2.0	1,750 (+8%)	3mo	$224,900	$129	62
826 Potter Ave	0.23mi	3/1.0	1,575 (-3%)	23mo	$140,000	$89	61
731 Potter Ave	0.23mi	3/2.0	1,845 (+14%)	8mo	$181,000	$98	60
805 Delta St	0.27mi	3/1.5	1,798 (+11%)	23mo	$219,000	$122	48
406 Pine St SW	0.63mi	3/2.0	1,694 (+4%)	19mo	$100,000	$59	48
402 Elm St SW	0.58mi	3/2.5	1,808 (+11%)	13mo	$128,000	$71	41
626 Adams Ave	0.45mi	2/1.0 (-1)	1,474 (-9%)	22mo	$43,000	$29	36
1900 Potter Rd	0.66mi	3/1.5	1,792 (+10%)	18mo	$175,000	$98	35
1200 Hudson Ave	0.61mi	3/3.0	1,790 (+10%)	19mo	$245,000	$137	34
503 Woodhill Cove Dr	0.58mi	3/3.0	1,424 (-12%)	20mo	$220,000	$154	32
1201 Hudson Ave	0.62mi	4/2.0 (+1)	1,866 (+15%)	21mo	$195,750	$105	24

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -15.8%
• Equity multiple: 0.45×
• Total profit: $-26,793
• Equity at exit: $26,093

10-year hold

• IRR: -12.6%
• Equity multiple: 0.34×
• Total profit: $-32,215
• Equity at exit: $15,131

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Alabama: 90 Strongly Landlord-Friendly · R+15
• County: — inherits STATE
• City: — inherits STATE

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 35020

• Home prices YoY: -24.2%
• Rents YoY: -3.1%
• Active inventory: 116
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,409 high
• Mortgage (P&I): −$918
• Tax from tax record: −$31 /mo · $376/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $91

Break-even live

Break-even rent $1,294

Max offer price $175,000

Occupancy floor 89%

Sensitivity live

Price	-10% $190	-5% $140	+0% $91	+5% $41	+10% $-217
Rent	-10% $-20	-5% $35	+0% $91	+5% $146	+10% $202
Rate	-1.0pp $179	-0.5pp $135	base $91	+0.5pp $46	+1.0pp $-1

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63 Bluebell St Bessemer, AL	4.0	2.0	1232	$1,399	$1.14	18d	1	0.61mi
236 Clifton St Bessemer, AL	3.0	1.0	1450	$1,100	$0.76	45d	1	0.85mi
10 Center St Bessemer, AL	3.0	1.0	1152	$1,000	$0.87	45d	1	0.86mi
18 Center St Bessemer, AL	3.0	1.0	1418	$1,100	$0.78	45d	1	0.87mi
200 Center St Bessemer, AL	3.0	1.5	1826	$1,200	$0.66	12d	1	0.91mi
5124 Candle Brook Ter Bessemer, AL	3.0	2.0	1925	$1,990	$1.03	5d	1	1.23mi
434 Bryant St Bessemer, AL	4.0	2.0	1540	$1,523	$0.99	5d	1	1.25mi
3630 Wind Ridge Ln Bessemer, AL	4.0	3.0	2167	$2,346	$1.08	4d	1	1.42mi
306 W Lake Cir SW Bessemer, AL	1.0–3.0	1.0–2.0	1004	$1,455	$1.45	3d	1	1.42mi
704 Avenue I Bessemer, AL	3.0	1.0	1232	$1,200	$0.97	25d	1	1.42mi
3626 Wind Ridge Ln Bessemer, AL	3.0	2.0	1305	$1,850	$1.42	5d	1	1.43mi

Listing history 11 events

1. 2026-06-22
   days on market $175,000 Active 17 DOM
2. 2026-06-18
   days on market $175,000 Active 14 DOM
3. 2026-06-17
   days on market $175,000 Active 13 DOM
4. 2026-06-16
   days on market $175,000 Active 12 DOM
5. 2026-06-15
   days on market $175,000 Active 11 DOM
6. 2026-06-13
   days on market $175,000 Active 9 DOM
7. 2026-06-10
   days on market $175,000 Active 6 DOM
8. 2026-06-09
   days on market $175,000 Active 5 DOM
9. 2026-06-08
   days on market $175,000 Active 4 DOM
10. 2026-06-07
    remarks 409-char remark
11. 2026-06-07
    listed $175,000 Active 3 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $376 · $31/mo
• Projected year-2 tax: $718 · $60/mo
• Expected delta: +$342/yr (+$28/mo · 90.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 46% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,904
• − Mortgage interest: −$9,803
• − Property taxes: −$376
• − Insurance: −$875
• − Repairs & maintenance: −$1,352
• − Management: −$1,352
• − Depreciation: −$5,091
• Taxable loss: −$1,946
• Est. tax savings @ 24.0%: +$467
• After-tax cash flow: $1,557/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Jefferson County
• NCES district ID: 0101920
• Math proficiency: 9% ▼ -24.00%
• Reading proficiency: 32% ▼ -5.00%
• Median HH income: $51,712
• Composite: 18.4/100
• National rank: #8937
• State rank: #104 of 129 in AL

Livability — Bessemer

• Score: 59/100
• State rank: #331
• US rank: #20078

Category grades

Amenities F Commute A+ Cost of living A+ Crime F Employment F Housing A Health & safety F User ratings B

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 527,445 people
• City population: 48,018
• Metro: Birmingham-Hoover, AL
• Population (ZIP): 24,892
• Household income: $35,362
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1001.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 669,185 people
• By 2030: 669,694 · +0.1%
• By 2040: 661,388 · -1.2%
• By 2050: 643,086 · -3.9%
• By 2075: 577,267 · -13.7%
• By 2100: 474,758 · -29.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (74%)
• Race & ethnicity: Black 74% Hispanic / Latino 13% White 11% Two or more races 6%
• Hispanic origin (detail): Mexican 10%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

Political lean MEDSL · Jefferson

• 2024 margin: D (+10.4) · D 54.6% · R 44.2% · Other 1.2%
• 2008→2024 swing: +5.4pp toward D · 2008: 5.1pp · 2024: 10.4pp
• All cycles: 2024: D+10.4 2020: D+13.2 2016: D+7.2 2012: D+6.0 2008: D+5.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -57.54%
• Current HPI: 179.7702
• Rent YoY: ▼ -3.12%
• Metro: Birmingham-Hoover, AL
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+154.0% since first listed

3 events — show timeline

• 2026-06-04 Listed $175,000 Greater Alabama MLS
• 2026-05-05 Sold (Public Records) $175,000 Public Records
• 1991-08-29 Sold (Public Records) $68,900 Public Records

Property tax history

+55.5%/yr

Latest (2016): $376 · +276.0% YoY. Source: county tax records.